Answers to your insurance questions

On July 13, 2011 Health Canada recalled the Outdoor Escapes® gazebo and Outdoor Escapes® party tents.
This recall involves Outdoor Escapes® gazebo and party tents sold through the Sears Canada cataloge and online at www.sears.ca. The affected model numbers are as follows:
Sears # 75820 Mfg. # 75143 10 x 20 party tent, white $349.99
Sears # 75821 Mfg. # 75144 10 x 30 party tent, windows $399.99
Sears # 75822 is a 10 x 40 party tent ensemble and includes 75825 & 75824
Sears # 75824 Mfg. # 75145 tent poles and
Sears # 75825 Mfg. # 75146`tent cover and sides $499.99 total cost ensemble
Sears # 75111 Mfg. # 71080 Gazebo & camp chair set $149.99What is the danger?
Recent testing has revealed that the materials used in these items do not meet the requirements for tent flammability under Canadian law. The tent could easily catch fire if exposed to a flame or other ignition source.
Neither Sears Canada or Health Canada have not received reports of incidents or injuries to Canadians related to the use of this tent at the time of the recall.What should I do?
Consumers should immediately stop immediately stop using the recalled products and return them to the nearest Sears cataloge sales desk for a full refund if accompanied by a receipt of sale or Sears Card statement, or for the lowest selling price without a receipt.How many were sold and where?
80 of the recalled gazebos and 3,251 of the recalled tents were sold in Canada.
These recalled products were sold from March 2010 to July 2011. The party tents and gazebos were manufactured in China. The manufacturer is Frikon Industries Limited. The distributor is Sears Canada Inc., of Toronto, Ontario.Insurance Answer
Imagine that your business manufactures, distributes or retails products that can cause injury to others. A party tent could be used by a business or any members of the general public. This possibility of fire is not the hot time you want to provide.
Quality control and good risk management are important parts of any business. For the events that can occur and could result in your being sued for injury you need to be sure you have addressed insurance coverage. Talk to your agent or broker. Take control of your insurance.